Lincoln MKZ Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 5, 2023

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U.S. average insurance prices for a Lincoln MKZ are $1,378 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $232 a year, collision insurance costs $446, and liability costs around $520. Liability-only coverage costs as low as $576 a year, and high-risk coverage costs $2,998 or more. Teenage drivers pay the highest rates at up to $5,396 a year.

Average premium for full coverage: $1,378

Price estimates by individual coverage:

Comprehensive $232
Collision $446
Liability $520

Includes $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and MKZ trim levels.

Price Range from Low to High

For the average driver, Lincoln MKZ insurance prices range from the cheapest price of $576 for liability-only coverage to a high of $2,998 for a driver who requires high-risk insurance.

Liability Only $576
Full Coverage $1,378
High Risk $2,998

Geographic Price Range

Where you live can make a big difference on the price of auto insurance. Rural locations have more infrequent physical damage claims than densely populated cities. The diagram below illustrates how location impacts auto insurance prices.

Rural Areas $1,034
Small Cities $1,447
Large Cities $1,860

The ranges above illustrate why it is important to compare prices using their specific location and their own driving history, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Charts and Tables

The chart below illustrates average Lincoln MKZ insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $804
  • Using higher $1,000 deductibles will save $1,224 each year
  • The average price for the average middle-age driver who chooses $500 deductibles is $1,378
  • Using low $100 deductibles for physical damage coverage costs an extra $300 annually
  • High-risk insureds who are prone to accidents and violations could pay around $2,998
  • The price to insure a 16-year-old driver can cost $5,396 or more

View Chart as Image

Lincoln MKZ insurance cost comparison chart
Column chart showing Lincoln MKZ insurance prices range from $804 to $5,396 for full coverage

Auto insurance prices for a Lincoln MKZ are also quite variable based on deductibles and policy limits, your risk profile, and the model of your MKZ.

Using high physical damage deductibles could cut prices by as much as $460 annually, while buying higher liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $468 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as low as $1,300 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay in the ballpark of $5,300 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $1,600 to $2,300 in extra premium each year, depending on your age. A high-risk auto insurance policy can be from 43% to 129% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Lincoln MKZ insurance prices. A driver around age 40 might see prices as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,860 on average in Florida, New York, and Michigan.

Lincoln MKZ Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,244 -$134 -9.7%
Alaska $1,056 -$322 -23.4%
Arizona $1,146 -$232 -16.8%
Arkansas $1,378 -$0 0.0%
California $1,570 $192 13.9%
Colorado $1,314 -$64 -4.6%
Connecticut $1,416 $38 2.8%
Delaware $1,560 $182 13.2%
Florida $1,722 $344 25.0%
Georgia $1,272 -$106 -7.7%
Hawaii $990 -$388 -28.2%
Idaho $934 -$444 -32.2%
Illinois $1,026 -$352 -25.5%
Indiana $1,040 -$338 -24.5%
Iowa $932 -$446 -32.4%
Kansas $1,308 -$70 -5.1%
Kentucky $1,878 $500 36.3%
Louisiana $2,040 $662 48.0%
Maine $850 -$528 -38.3%
Maryland $1,136 -$242 -17.6%
Massachusetts $1,100 -$278 -20.2%
Michigan $2,390 $1,012 73.4%
Minnesota $1,154 -$224 -16.3%
Mississippi $1,650 $272 19.7%
Missouri $1,222 -$156 -11.3%
Montana $1,478 $100 7.3%
Nebraska $1,088 -$290 -21.0%
Nevada $1,652 $274 19.9%
New Hampshire $994 -$384 -27.9%
New Jersey $1,540 $162 11.8%
New Mexico $1,218 -$160 -11.6%
New York $1,452 $74 5.4%
North Carolina $794 -$584 -42.4%
North Dakota $1,128 -$250 -18.1%
Ohio $950 -$428 -31.1%
Oklahoma $1,414 $36 2.6%
Oregon $1,262 -$116 -8.4%
Pennsylvania $1,312 -$66 -4.8%
Rhode Island $1,838 $460 33.4%
South Carolina $1,248 -$130 -9.4%
South Dakota $1,162 -$216 -15.7%
Tennessee $1,204 -$174 -12.6%
Texas $1,658 $280 20.3%
Utah $1,018 -$360 -26.1%
Vermont $942 -$436 -31.6%
Virginia $826 -$552 -40.1%
Washington $1,064 -$314 -22.8%
West Virginia $1,262 -$116 -8.4%
Wisconsin $954 -$424 -30.8%
Wyoming $1,226 -$152 -11.0%

View Chart as Image

Lincoln MKZ insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Lincoln MKZ Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Lincoln MKZ 4-Dr Sedan $1,350 $113
Lincoln MKZ AWD 4-Dr Sedan $1,378 $115

Rates assume 2016 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Lincoln MKZ Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Lincoln MKZ $282 $618 $500 $1,580
2019 Lincoln MKZ $270 $574 $510 $1,534
2018 Lincoln MKZ $260 $540 $514 $1,494
2017 Lincoln MKZ $248 $484 $520 $1,432
2016 Lincoln MKZ $232 $446 $520 $1,378
2015 Lincoln MKZ $224 $418 $524 $1,346
2014 Lincoln MKZ $220 $390 $534 $1,324
2013 Lincoln MKZ $202 $362 $534 $1,278
2012 Lincoln MKZ $198 $328 $540 $1,246
2011 Lincoln MKZ $184 $300 $534 $1,198
2010 Lincoln MKZ $174 $272 $534 $1,160
2009 Lincoln MKZ $168 $246 $530 $1,124
2008 Lincoln MKZ $166 $240 $520 $1,106
2007 Lincoln MKZ $162 $228 $510 $1,080

Rates are averaged for all Lincoln MKZ models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for the Cheapest Lincoln MKZ Insurance

Getting lower rates on insurance for a Lincoln MKZ requires having a good driving record, having a good credit score, not filing small claims, and possibly higher deductibles. Spend time shopping around at every other renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The next list is a recap of the concepts that were touched on above.

  • Drivers considered higher risk that have major violations or accidents may have to pay on average $1,620 more per year to buy Lincoln MKZ insurance
  • Drivers age 20 and younger have the highest car insurance prices, as much as $450 a month if comprehensive and collision insurance is included
  • It is possible to save around $160 per year just by quoting early and online
  • Increasing physical damage deductibles could save as much as $450 each year
  • It is possible to save around $160 per year just by quoting early and online

Rates by Driver Age

Lincoln MKZ Insurance Rates by Driver Age
Driver Age Premium
16 $5,396
20 $3,202
30 $1,418
40 $1,378
50 $1,264
60 $1,240

Full coverage, $500 deductibles

Rates by Deductible

Lincoln MKZ Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,678
$250 $1,538
$500 $1,378
$1,000 $1,224

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKZ Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,378
50/100 $1,482
100/300 $1,612
250/500 $1,950
100 CSL $1,534
300 CSL $1,820
500 CSL $2,028

Full coverage, driver age 40

Rates for High Risk Drivers

Lincoln MKZ Insurance Rates for High Risk Drivers
Age Premium
16 $7,664
20 $5,108
30 $3,044
40 $2,998
50 $2,866
60 $2,840

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $194

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $72
Multi-vehicle $75
Homeowner $22
5-yr Accident Free $96
5-yr Claim Free $89
Paid in Full/EFT $58
Advance Quote $66
Online Quote $96
Total Discounts $574
Rate after discounts $804

Discounts are estimated and may not be available from every company or in every state.

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